How Much Does 2000 Dodge Stratus Car Insurance Cost?

Want the cheapest insurance rates? Drivers have a choice when trying to find low-cost Dodge Stratus insurance. You can either spend your time calling around to get rate comparisons or use the internet to compare rates. There is a better way to buy insurance and you need to know the proper way to price shop coverage on a Dodge and find the lowest possible price from local insurance agents and online providers.

The most recommended method to compare rates takes advantage of the fact most larger insurance companies allow for online access to give free rates quotes. All consumers are required to do is provide a little information such as your job, how you use your vehicles, whether you have decent credit, and if a SR-22 is required. Your details gets transmitted to multiple insurance providers and they return cost estimate with very little delay.

If you wish to get multiple quotes for your Dodge Stratus now, click here and enter your zip code.

Find hidden discounts to get affordable car insurance quotes

Companies that sell car insurance don’t necessarily list every discount very clearly, so the following list contains both the well known and also the lesser-known car insurance savings.

  • Auto/Home Discount – When you combine your auto and homeowners insurance with one insurance company you will save at least 10% off all policies.
  • Accident Forgiveness – Not really a discount, but companies like State Farm and Progressive allow you one accident without raising rates if you have no claims for a certain period of time.
  • Paperwork-free – A few larger online companies will give you a small discount get insurance coverage on their website.
  • Accident Free – Drivers who stay claim-free have much lower rates as opposed to accident-prone drivers.
  • Mature Driver Discount – Mature drivers are able to get a small decrease in premiums on Stratus coverage.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Savings for New Vehicles – Buying a new car instead of a used car can be considerably cheaper because newer models are generally safer.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will positively reduce the cost of coverage.

Popular car insurance companies and some of the discounts are included below.

  • 21st Century may offer discounts for 55 and older, driver training, student driver, early bird, good student, and defensive driver.
  • Progressive may include discounts for online signing, homeowner, multi-vehicle, multi-policy, online quote discount, good student, and continuous coverage.
  • State Farm offers discounts including Steer Clear safe driver discount, multiple policy, multiple autos, good student, safe vehicle, and anti-theft.
  • Nationwide has savings for multi-policy, anti-theft, good student, business or organization, and easy pay.
  • Esurance may have discounts that include claim free, defensive driver, multi-policy, Switch & Save, and good driver.
  • The Hartford discounts include good student, air bag, bundle, anti-theft, defensive driver, driver training, and vehicle fuel type.

If you need low cost insurance coverage quotes, ask every insurance company how you can save money. Some of the earlier mentioned discounts may not apply in your area. If you would like to choose from a list of providers that offer multiple discounts, click this link.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there really is not a single plan that fits everyone. Every situation is different.

For instance, these questions can aid in determining if your situation may require specific advice.

  • When should I drop full coverage on my 2000 Dodge Stratus?
  • Will my insurance pay for OEM parts?
  • Do I have coverage when making deliveries for my home business?
  • Do I pay less if my vehicle is kept in my garage?
  • Can I rate high risk drivers on liability-only vehicles?
  • How can I force my company to pay a claim?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Learn how to lower your insurance premiums

A large part of saving on car insurance is knowing some of the things that are used to determine the rates you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower premium levels.

The list below includes some of the items used by companies to determine your rates.

  • Women tend to be lower risk – The statistics show females are less aggressive when driving. The data does not necessarily mean that men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets such as DWI and reckless driving.
  • Keep the miles off and save – The more you drive every year the more you’ll pay to insure it. A lot of insurance companies calculate prices based upon how you use the vehicle. Autos left parked in the garage qualify for better rates than those that get driven frequently. A policy that improperly rates your Stratus may be costing you higher rates. Double check that your policy reflects the right rating data.
  • Cheaper car insurance rates using GPS tracking and theft deterrents – Driving a car with a theft deterrent system can help bring down rates. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Higher prices for car insurance lapses – Driving any period of time without insurance is a big no-no and car insurance companies will penalize you for letting your insurance expire. In addition to paying higher premiums, failure to provide proof of insurance may result in a steep fine or even jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • High coverage deductibles equal low rates – Physical damage protection, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Examples of some claims that would be covered are a broken windshield, flood damage, and burglary. The deductibles tell how much you are required to spend out-of-pocket if the claim is covered. The more damage repair cost you pay before a claim is paid (deductible), the less money you will pay for car insurance on Stratus coverage.
  • Get cheaper prices after the wedding – Getting married may earn you lower rates on your policy. Marriage is viewed as being more financially stable and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Keep prices low by being claim-free – Car insurance companies provide discounts to people who do not rely on their insurance for small claims. If you’re an insured who likes to file claims you can look forward to either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Where you live can influence rates – Being located in areas with lower population can be a good thing when insuring your vehicles. Drivers who live in large cities have congested traffic and more time behind the wheel. Fewer drivers and short commutes means less chance of accidents and a lower car theft rate.

Insurance coverage considerations

Understanding the coverages of a insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto collision coverage

This coverage covers damage to your Stratus from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, backing into a parked car, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability

This protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like legal defense fees, pain and suffering and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from flooding, vandalism, theft and hail damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage kick in for bills such as doctor visits, nursing services, dental work, hospital visits and ambulance fees. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Dodge Stratus.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Smart consumers save more

Drivers change insurance companies for many reasons like delays in responding to claim requests, an unsatisfactory settlement offer, high prices and being labeled a high risk driver. It doesn’t matter why you want to switch finding a great new company can be easy and end up saving you some money.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced liability coverage limits to discover at claim time that they should have had better coverage. The goal is to buy enough coverage at an affordable rate, not the least amount of coverage.

Lower-priced 2000 Dodge Stratus insurance is definitely available from both online companies in addition to local insurance agencies, so you should compare both to have the best selection. Some insurance companies may not offer the ability to get a quote online and usually these regional carriers only sell through independent insurance agents.

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